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Don't let bad credit stand in the way of achieving your dreams.

 Having good credit is essential and here at Lock & Key Financial, we

strive in providing excellent service that will yield maximum results. 

Let us help you unlock the door to your future. 

What We Do

We will provide a thorough credit analysis of your credit report. This will allow us to dispute any inaccuracies and/or any negative items with all three credit bureaus.

Have you applied for an auto loan and received a high interest rate? Is bad credit preventing you from obtaining your dream home? Schedule a consultation today and let us help you unlock the door to your future.

What's in a Credit Score?

A credit score is a number ranging from 300-850 that depicts a consumer's creditworthiness. Having a high credit score will give creditors more confidence that you will repay your future debts as agreed.

Having a low credit score can affect you in many ways. You will receive higher interest rates because you'll be considered high risk. If you have a history of bad credit, you will be denied opportunities to apply for a mortgage, car loan, etc. 

720-850 EXCELLENT
700-719 VERY GOOD
675-699 GOOD
620-674 AVERAGE
560-619 POOR
500-559 VERY POOR

What's stopping you from improving your credit?

According to the FTC, about one out of every five Americans has an error on their credit report.

If you max out a credit card, your credit score may decrease up to 45 points.

Terms & Conditions

Cancellation Policy:
Services are provided on a month-to- month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment. When cancelled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered. All services are billed in arrears.

Privacy Policy:
Commitment to Your Privacy
This site is owned and operated by Lock & Key Financial Services, LLC. Your privacy on the Internet is of the utmost importance to us. At Lock & Key Financial Services, LLC, we want to make your experience online satisfying and safe. Because we gather certain types of information about our users, we feel you should fully understand our policy and the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.

Sharing of Information
Lock & Key Financial Services, LLC does not under any circumstances share, sell, rent, or in any other way provide your information to anyone for any use whatsoever.

Security
Lock & Key Financial Services, LLC operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

Information Lock & Key Financial Services, LLC Gathers and Tracks
Lock & Key Financial Services, LLC gathers two types of information about users:
• Information that users provide manually on our web site. This information is gathered on our Enrollment (Sign Up) Form and includes name, address, email address. This information is not shared or used for any marketing purposes whatsoever.
• Information Lock & Key Financial Services, LLC gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience.

Usage Tracking

Lock & Key Financial Services, LLC tracks user traffic patterns. However, we do not correlate this information with data about individual users. Lock & Key Financial Services, LLC does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser). Lock & Key Financial Services, LLC sometimes tracks the search terms that users enter in public search engines, which generate a “click through”, but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms.

Cookies
We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. Lock & Key Financial Services, LLC pauses cookies to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site.

Your Consent
By using this site, you consent to the collection and use of this information by Lock & Key Financial Services,  LLC. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

Public Safety and Legal Process
We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.